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How much should you withdraw from your 401(k)?

·4 min read
How much should you withdraw from your 401(k)?

If ever there was something you should never set and forget it would be this: how much you withdraw each year from your retirement accounts. “Retirees should always keep in mind that plans are unlikely to work as expected and that adjustments may need to be made along the way,” wrote Javier Estrada, a finance professor at the IESE Business School, in his recent paper, The Sustainability of (Global) Withdrawal Strategies. In his research, in which he studied a sample of 22 countries over a 120-year period, Estrada found both failure rates and unsustainability rates differ widely across countries; both rates also differ widely, for any given country, across initial withdrawal rates and asset allocations.